Answer:
gap 4
Step-by-step explanation:
Gap 4, or communication gap, happens when there is a gap between the service provided to the customers and the communication that existed with the customers, i.e. the customers think that they are purchasing X service, while in reality the X service is not really how they thought it would be.
It is reasonable that insurance companies do not cover "acts of God", since the law does not require them to do so. But most of the times this specific information, that is usually not important (how often do tornadoes happen?), might actually be very important.